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Monument Bank

Bethesda, MD · Cert 57942

FDIC · 4 branches

Q3 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Monument Bank

Bethesda, MD · Cert 57942

FDIC · 4 branches

Q3 2016

$513.4MAssets
$409.5MLoans
$429.6MDeposits
$39.6MEquity
Loan mix
84%RE $203.4M15%C&I $37.5M1%Consumer $1.6MQ3 2015Q3 2016
Deposit mix
84%Interest-bearing $362.0M16%Noninterest $67.6MQ3 2015Q3 2016

NIM

4.32%Q3 ’144.23%Q3 ’154.20%Q3 ’16-2%-3%

Non-interest income vs. expense

2.95%Q3 ’142.87%Q3 ’153.45%Q3 ’16-3%+34%

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2016 SOD (annual) · 0.2% share · #34 of 84 inst. · $0.4B of $223.3B

Executive Summary

  • Earnings: ROA of -0.10%, down 72 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 7.41%, down 159 bps from a year ago.
  • Funding: loans stand at 95.30% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.10%-72 bps YoY

Net Interest Margin (YTD, annualized)

3.62%-11 bps YoY

Efficiency Ratio (YTD, annualized)

100.30%+2,649 bps YoY

Tier 1 Leverage Ratio

7.41%-159 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.62%0.63%0.63%0.60%-0.10%-72 bps
Return on Equity6.96%7.10%7.03%7.03%-1.18%-814 bps
Net Interest Margin3.73%3.73%3.91%3.68%3.62%-11 bps
Efficiency Ratio73.81%72.57%68.35%71.49%100.30%+2,649 bps
Non-Interest Burden2.71%2.66%2.63%2.60%3.63%+92 bps
Growth
Asset Growth (YoY)9.96%13.82%10.90%10.63%2.04%-791 bps
Loan Growth (YoY)11.62%15.37%18.54%11.38%7.63%-399 bps
Deposit Growth (YoY)18.29%18.25%16.27%14.60%9.26%-903 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.26%0.23%0.23%0.11%0.07%-20 bps
Allowance / Loans0.97%0.97%0.94%0.95%0.97%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.00%9.04%9.07%7.79%7.41%-159 bps
Total Risk-Based Capital11.33%11.30%11.10%11.46%11.09%-24 bps
Equity / Assets8.83%8.83%8.96%7.72%7.72%-111 bps
Liquidity & Funding
Loans / Deposits96.74%97.16%100.05%95.39%95.30%-144 bps
Liquid Assets / Assets9.87%6.56%5.16%9.37%9.14%-72 bps
CRE / Total Capitaln/an/an/an/an/an/an/a